Alaska Car Insurance Cost for 2022

How much does auto insurance cost in Alaska? We look at average rates for all vehicle segments plus rank the models with cheap car insurance quotes in Alaska.

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How much does car insurance cost in Alaska?

Car insurance for the average vehicle in Alaska costs $1,338 per year, or about $112 per month, which is 14.6% less than the U.S. average rate of $1,567.

Weather in Alaska is unpredictable, so 4-wheel drive and AWD vehicles are popular choices. Average car insurance rates for some of the more popular vehicles include:

  • Toyota Tacoma – $1,240 per year ($103 per month)
  • Toyota 4Runner – $1,302 per year ($109 per month)
  • Toyota RAV4 – $1,262 per year ($105 per month)
  • Subaru Forester – $1,156 per year ($96 per month)
  • Subaru Crosstrek  – $1,074 per year ($90 per month)
  • Subaru Outback – $1,226 per year ($102 per month)
  • Ford F-150 – $1,292 per year ($108 per month)
  • Chevrolet Silverado – $1,436 per year ($120 per month)
  • Ram 1500 – $1,530 per year ($128 per month)
  • Honda CR-V – $1,168 per year ($97 per month)

The chart below shows average car insurance rates in Alaska for the 2022 model year. Annual cost is included for driver ages 20 through 60 and for three different physical damage deductible amounts ($250, $500 and $1,000).

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Chart Data Details: Chart shows average Alaska car insurance rates for 2022 model year vehicles with safe driver and claim-free discounts applied. Full-coverage rates are averaged for all Alaska zip codes.Data last updated on June 24, 2022
Average Car Insurance Cost in Alaska
Average Car Insurance Cost in Alaska
Driver Age Deductible Annual Cost Monthly Cost

Rates in the chart above range from $1,010 per year for a 60-year-old driver with $1,000 deductibles to $3,074 per year for a 20-year-old driver with much lower $250 deductibles. For the same data, the average cost of car insurance per month in Alaska ranges from $84 to $256.

Car insurance quotes for teenage drivers in Alaska are not shown in the chart, but plan on paying considerably more to insure a 16 to 19-year-old. Average rates range from $3,358 per year for a 19-year-old female driver up to $4,790 per year for a 16-year-old male driver.

How does Alaska car insurance compare to other states?

When compared to other northwestern states, Alaska car insurance rates are 4.9% less than Oregon, 4.4% less than Wyoming, 9.8% less than Montana, 11.3% more than Idaho, and 15.5% less than Washington.

The chart below shows how auto insurance cost in Alaska compares to the other ten West region states. Alaska ranks sixth overall for the region for average car insurance affordability.

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Alaska Car Insurance Cost Compared to West Region
Average Car Insurance Cost in Alaska Compared to West Region
West Region States Average Insurance Cost Annual Difference

Nationally, Alaska ranks 14th for overall cheapest average car insurance rates. The average cost of car insurance in Alaska is 38.5% more expensive than North Carolina, 23.3% cheaper than California, 4.9% cheaper than Oregon, 39.9% cheaper than Florida, and 1.3% cheaper than Arizona.

Which vehicles have cheap car insurance in Alaska?

Small SUVs like the Mazda CX-5, Nissan Kicks, and Chevrolet Trailblazer tend to have the cheapest car insurance rates in Alaska. The Mazda CX-5 ranks #1 overall, costing an average of $1,016 per year for full coverage insurance.

Other models that rank well for affordable car insurance in Alaska include the Subaru Crosstrek, Toyota C-HR, and Buick Encore. For pickups, the cheapest model to insure in Alaska is the Chevrolet Colorado, costing an average of $1,100 per year and ranking in the top 20 overall.

The cheapest small, midsize, and full-size luxury car insurance can be found on the Acura ILX at $1,228 per year, the Mercedes-Benz A220 at $1,312 per year, and the BMW 330i at $1,412 per year.

Luxury SUVs cost slightly more to insure than their car counterparts, and the most affordable models to insure in Alaska are the Acura RDX at $1,146 per year, the Cadillac XT4 at $1,174 per year, and the Volvo XC40 at $1,288 per year.

The table below takes every model from the 2022 model year and ranks the top 75 by average insurance cost to find the models that are most affordable.

Top 75 Cheapest Vehicles to Insure in Alaska
Rank Make/Model Annual Cost Monthly Cost
1Mazda CX-5$1,016$85
2Nissan Kicks$1,042$87
3Chevrolet Trailblazer$1,046$87
4Honda Passport$1,072$89
5Subaru Crosstrek$1,074$90
6Toyota C-HR$1,098$92
7Chevrolet Colorado$1,100$92
8Buick Encore$1,104$92
9Nissan Rogue Sport$1,114$93
10Hyundai Venue$1,134$95
11Buick Envision$1,138$95
12Kia Seltos$1,138$95
13Ford Maverick$1,144$95
14Acura RDX$1,146$96
15Subaru Ascent$1,146$96
16Toyota Corolla Cross$1,146$96
17Hyundai Kona$1,154$96
18Subaru Forester$1,156$96
19Volkswagen Tiguan$1,158$97
20Mazda MX-5 Miata$1,160$97
21Subaru Impreza$1,160$97
22Chevrolet Spark$1,166$97
23Honda CR-V$1,168$97
24Cadillac XT4$1,174$98
25Mazda CX-30$1,182$99
26Ford Ranger$1,188$99
27Honda HR-V$1,202$100
28Ford Edge$1,206$101
29Ford Ecosport$1,212$101
30Chevrolet Trax$1,226$102
31Subaru Outback$1,226$102
32Acura ILX$1,228$102
33GMC Terrain$1,230$103
34Mitsubishi Eclipse Cross$1,232$103
35Nissan Murano$1,240$103
36Toyota Tacoma$1,240$103
37Hyundai Tucson$1,242$104
38Chevrolet Bolt$1,244$104
39Honda Odyssey$1,246$104
40Toyota Venza$1,248$104
41Chevrolet Equinox$1,250$104
42Volkswagen Taos$1,252$104
43Ford Explorer$1,256$105
44Fiat 500X$1,258$105
45Toyota RAV4$1,262$105
46Kia Sorento$1,264$105
47Kia Soul$1,266$106
48Nissan Frontier$1,272$106
49Hyundai Palisade$1,284$107
50Volkswagen Golf$1,284$107
51GMC Canyon$1,286$107
52Hyundai Santa Cruz$1,286$107
53Mazda MX-30$1,288$107
54Volvo XC40$1,288$107
55Ford F150$1,292$108
56Volkswagen Atlas$1,292$108
57Subaru Legacy$1,294$108
58Jeep Compass$1,296$108
59Honda Insight$1,298$108
60Honda Ridgeline$1,300$108
61Kia Niro$1,300$108
62Volkswagen Jetta$1,300$108
63Toyota 4Runner$1,302$109
64Nissan Sentra$1,306$109
65Nissan Rogue$1,310$109
66Cadillac XT5$1,312$109
67Mercedes-Benz A220$1,312$109
68Kia K5$1,314$110
69Toyota Camry$1,314$110
70Ford Escape$1,316$110
71Jeep Gladiator$1,316$110
72Toyota Corolla$1,316$110
73Kia Rio$1,318$110
74Volkswagen Passat$1,318$110
75Honda Civic$1,324$110

    Get Rates in Your AreaWhy is this important?

    Table Data Details: Average car insurance rate for each model assumes a 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to premiums. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Alaska.Data last updated on June 24, 2022
    Top 75 Cheapest Vehicles to Insure in Alaska

    The chart below shows average car insurance quotes in Alaska for not only the ten vehicles we featured earlier in the article, but also an additional 15 models.

    Out of these 25 vehicles, only the top nine cheapest models up to and including the Ford F150 pickup made the table of the 75 cheapest vehicles to insure shown above.

    The table icon below the chart allows you to view both annual and monthly average car insurance rates for all 25 vehicles.

    Get Rates in Your AreaWhy is this important?

    Chart Data Details: Average Alaska car insurance cost is based on 2022 model year vehicles with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged for all Alaska Zip Codes.Data last updated on June 24, 2022
    Alaska Car Insurance Rates for Popular Vehicles
    Alaska Car Insurance Rates for Popular Vehicles
    Make/Model Annual Rate Monthly Rate
    Subaru Crosstrek$1,074$90
    Subaru Forester$1,156$96
    Honda CR-V$1,168$97
    Subaru Outback$1,226$102
    Toyota Tacoma$1,240$103
    Chevrolet Equinox$1,250$104
    Toyota RAV4$1,262$105
    Ford F150$1,292$108
    Toyota 4Runner$1,302$109
    Nissan Rogue$1,310$109
    Toyota Camry$1,314$110
    Toyota Highlander$1,344$112
    GMC Sierra$1,362$114
    Kia Forte$1,368$114
    Honda Accord$1,396$116
    Hyundai Santa Fe$1,396$116
    Ford Mustang$1,410$118
    Chevrolet Silverado$1,436$120
    Toyota Tundra$1,438$120
    Jeep Grand Cherokee$1,476$123
    Jeep Cherokee$1,484$124
    Hyundai Elantra$1,506$126
    Jeep Wrangler$1,530$128
    Ram Truck$1,530$128
    Chevrolet Corvette$1,682$140

    Alaska car insurance rates by city

    Shown in the list below are average annual and monthly car insurance costs for some of the larger cities in the state of Alaska. Visit any page to view detailed rate information, including average cost by automotive segment, rates by driver risk profile, and the vehicles with the cheapest car insurance quotes in each city.

    Additional insights into car insurance in Alaska

    It’s challenging to write one article that includes enough data to properly illustrate how variable car insurance rates are without being overwhelming. The list below includes a few additional points that can impact the cost of insurance not only in Alaska, but any state.

    • The higher deductible you choose, the lower the policy cost. Increasing the physical damage deductibles on your policy from $500 to $1,000 could save around $236 per year for a 40-year-old driver and $456 per year for a 20-year-old driver. Just be sure you have financial resources available to cover the extra cost in case of a claim.
    • Conversely, lowering deductibles makes car insurance more expensive. Lowering your comprehensive and collision deductibles from $500 to $250 could cost an additional $244 per year for a 40-year-old driver and $856 per year for a 20-year-old driver. Since lower deductibles mean less out-of-pocket expense with a claim, you’ll pay more for the policy.
    • Alaska car insurance is cheaper for safe drivers. Too many at-fault accidents can cost more, as much as $616 per year for a 30-year-old driver and even $428 per year for a 50-year-old driver. Avoid accidents and you’ll save money.
    • Younger drivers pay higher rates. The difference in average car insurance cost between a 50-year-old driver ($1,214 per year) and a 20-year-old driver ($2,650 per year) is $1,436, or a difference of 54.2%.
    • Earn policy discounts to save money. Discounts may be available for things like driving a vehicle with safety or anti-theft features, insuring multiple vehicles on the same policy, being accident-free, being a military or federal employee, or many other discounts which could save the average driver $72 or more each year.
    • Improve your credit for cheaper car insurance. Drivers who maintain a credit score over 800 could save up to $210 per year when compared to a credit rating of 670-739. Conversely, a not-so-perfect credit rating could cost around $244 more per year.